What is 7.5 Tonne Lorry Insurance?
7.5 tonne lorry insurance is a type of specialist policy designed for 7.5 tonne lorries, which are commercial vehicles with a maximum authorised mass (MAM) of 7.5 tonnes (or 7,500 kg).
This type of insurance covers the costs associated with operating an LGV, including liability for damage to other vehicles, people or property, and damage to the lorry itself. It may also cover the loss or damage to the goods being transported, as well as loss of income if the lorry is involved in an accident and cannot be used for work.
The exact coverage for the 7.5 tonne lorry will depend on the specific policy, but it is generally designed to provide a comprehensive solution for businesses or individuals who use these lorries for commercial or personal purposes.
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What’s Classed As A 7.5 Tonne Lorry?
As it is often used for light goods transport and delivery, a 7.5 tonnes truck is a popular choice for small and medium sized deliver firms.
Some key features of a 7.5 tonne lorry include:
- Size: It is smaller than a standard artic lorry, making it easier to manoeuvre and park.
- Load capacity: A 7.5 tonne lorry has a large load capacity, typically around 6 to 8 cubic metres.
- Engine: It is typically powered by a diesel engine, which provides enough power for towing and carrying heavy loads.
- Payload: A 7.5 tonne lorry is designed to carry a maximum payload of 7.5 tonnes.
- Less driver licencing required: To drive a 7.5 tonne lorry, you must hold a category C1 licence.
Who Needs 7.5 Tonne Lorry Insurance?
To get 7.5 tonne lorry insurance, you will need to meet certain requirements.
These requirements can include holding a valid category C1 driving licence and providing proof of experience. This could be a record of your driving history or any relevant training certificates.
Some insurance companies may also require a minimum age for the driver. Typically this is around 25 years old. You may be able to discuss this with a broker to find out which policies are the most suitable if you have a driver that doesn’t meet common age requirements for LGV and HGV insurance.
In addition to these requirements, you may also need to provide information about the type of goods being transported and the intended use of the vehicle. It’s useful to have this prepared when you compare quotes for 7.5 lorry insurance.
Can I Insure a 7.5 Tonne Lorry Insurance For Business Use?
Yes, you can insure a 7.5 tonne lorry for business use as both a fleet vehicle and individual truck. In fact, most 7.5 tonne lorries are used for commercial purposes and require business insurance coverage.
This type of insurance typically covers the costs associated with operating the lorry for work, including liability for damage to other vehicles, people or property, and damage to the lorry itself.
Business insurance may also cover the loss or damage to the goods being transported, as well as loss of income if the lorry is involved in an accident and cannot be used for work. You will need to specify any good classed as ‘hazardous’ to an insurer.
When choosing business insurance for a 7.5 tonne lorry, it is important to consider the specific needs of your business and choose a policy that provides adequate protection for your specific risks.
7.5 Tonne Lorry Insurance For Private Use
A 7.5 tonne lorry can also be insured for private use.
Private use insurance, also known as personal use insurance, provides coverage for individuals who use their 7.5 tonne lorry for personal purposes, such as moving house or transporting goods for personal projects.
This type of insurance typically covers the same types of risks as business insurance, including liability for damage to other vehicles, people or property, and damage to the lorry itself. However, the coverage may be different, as private use insurance may have lower limits and exclude coverage for commercial activities.
How Much Does 7.5 Tonne Lorry Insurance Cost?
The cost of 7.5 tonne lorry insurance varies widely based on several factors, including the driver’s experience, the type of goods being transported, the location of the vehicle, and the level of coverage required.
It is important to compare lorry insurance quotes from multiple insurance providers to find the best deal and ensure that you have the right level of coverage for your needs.
How To Get Cheap 7.5 Tonne Lorry Insurance
There are several ways to reduce the cost of 7.5 tonne lorry insurance:
It is important to keep in mind that while these tips can help reduce your insurance costs, they may also affect the level of coverage you receive. It is crucial to weigh up the costs and benefits of each option and choose the one that provides the best balance of cost and coverage for your specific needs.
